64158 — Clay County, Missouri Market Snapshot
Housing market data for zip code 64158 in Clay County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
19 sales in 2026 (year to date)
Median Sale Price
$519,900
Days to Sell
27
Homes Sold
19
Inventory
N/A
Sale-to-List
0.0%
New Listings
24
Price/SqFt
$202
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 64158 can comfortably use conventional financing. The median home price of $519,900 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 64158 are moving quickly at 27 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 64158 sells for 100.0% below asking price (0.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 64158 can comfortably use conventional financing. The median home price of $519,900 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 64158 are set at the county level.
2026 Loan Limits — Clay County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 64158
To purchase the median home at $519,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,133.
Monthly Payment
$4,133
Income Required
$177,142
Principal & Interest
$3,203/mo
Down Payment (5%)
$25,995
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 64158.
Estimated Monthly Payment
$3,368
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